USAA Auto Insurance Review (2023)
USAA auto insurance rates are lower than average, but only military members and their families qualify.
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UPDATED: Dec 16, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 16, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
USAA
Average monthly rate for good drivers:
$63A.M. Best rating:
A+Complaint level:
LowPros
- Offers multiple products including financial services and banking
- High customer satisfaction and financial ratings
- Rates are lower than average
- Coverage is available in all 50 states
- Easy-to-use mobile app
Cons
- Coverage isn’t available to everyone
- DUIs drastically increase rates
- SafePilot isn’t available in every state
- Customer complaints are higher than competitors
The Bottom Line
USAA is a highly-rated insurance company offering various insurance options and other products to military members and their families. Drivers can also find life and health insurance, auto loans, and investment products like annuities.
In addition to various offerings, USAA has the lowest auto insurance rates. Although teens and drivers with DUIs pay higher rates, USAA rates are still the lowest out of the top insurers in the nation.
USAA’s numerous products, excellent ratings, and low rates make it a great choice for military members looking for one company to meet various needs.
While many auto insurance companies offer discounts and lower rates to service members, USAA is the only company specializing in insurance and products for the military.
USAA auto insurance isn’t available to everyone, but the company offers cheap coverage and consistently earns very high ratings across the board, both in customer satisfaction and financial stability.
Only military members and their families are eligible for the numerous USAA insurance coverages and products, such as auto loans and life insurance. Even while deployed, USAA provides inexpensive insurance options to help you avoid a coverage lapse.
While you should always shop around to find the best auto insurance company for you, there’s a good chance USAA fits your needs.
Keep reading to learn more about USAA auto insurance and determine if it’s the right company for you.
Is USAA a Good Choice?
USAA has been in the insurance business for 100 years, specializing in affordable auto insurance for the military. The company offers excellent service and coverages specific to military members, such as a deployment discount.
USAA offers military members and their families various coverage options at the lowest rates. That’s why it’s considered one of the best auto insurance providers for veterans and the military.
USAA also ranks high in customer satisfaction with J.D. Power and financial stability through A.M. Best. So, drivers with USAA insurance are confident the company will be there when needed.
While coverage is only available to military members and their families, it’s available in all 50 states and Washington, D.C.
In addition to auto insurance, USAA offers insurance products such as homeowners, renters, boat, RV, and motorcycle coverage. Drivers can also take advantage of life and health insurance, auto loans, and investment opportunities through USAA.
USAA’s low rates, high ratings, and various coverage options make it a great fit for military members.
USAA Rates
Many factors affect auto insurance rates, including age, driving history, and credit score. Therefore, USAA auto insurance quotes are different for each driver. To get an idea of auto insurance rates across the country, take a look at the map below.
USAA auto insurance rates are the lowest, but you’re only eligible if you’re a military member or family member. Other drivers don’t qualify for coverage.
Most states require at least a minimum amount of liability coverage. However, liability coverage only pays for damages to others. Therefore, drivers should add collision and comprehensive coverages to protect their vehicles.
Full coverage auto insurance includes liability, collision, comprehensive, and other required coverages. While more coverage equals higher rates, you’re better protected and pay less out of pocket if your vehicle gets damaged.
This table shows average rates based on full coverage from USAA and other top insurers.
Insurance Company | Average Full Coverage Rates | |
---|---|---|
Allstate | $160 | |
American Family | $117 | |
Farmers | $139 | |
Geico | $80 | |
Liberty Mutual | $173 | |
Nationwide | $115 | |
Progressive | $105 | |
State Farm | $86 | |
Travelers | $99 | |
Average | $120 | |
Get Your Rates Quote Now |
In addition, we’ve put together a table showing annual rates based on minimum coverage.
Insurance Company | Average Minimum Coverage Rates | |
---|---|---|
Allstate | $61 | |
American Family | $44 | |
Farmers | $53 | |
Geico | $31 | |
Liberty Mutual | $68 | |
Nationwide | $44 | |
Progressive | $39 | |
State Farm | $33 | |
Travelers | $37 | |
Average | $45 | |
Get Your Rates Quote Now |
As you can see, USAA rates are the cheapest regardless of coverage. Considering full coverage is only around $11 a month more than liability-only coverage, it makes sense to choose the most protection available.
How does driving history affect USAA auto insurance rates?
Auto insurance companies check driving records, so drivers with accidents, tickets, and DUIs see the highest rates since they’re more likely to cost the insurance company money.
This table shows how having one accident on your driving record affects USAA car insurance rates.
Insurance Company | Rates with an Accident | Rates with a Clean Record | ||
---|---|---|---|---|
Allstate | $225 | $160 | ||
American Family | $176 | $117 | ||
Average | $172 | $120 | ||
Farmers | $198 | $139 | ||
Geico | $132 | $80 | ||
Liberty Mutual | $234 | $173 | ||
Nationwide | $161 | $115 | ||
Progressive | $186 | $105 | ||
State Farm | $102 | $86 | ||
Travelers | $139 | $99 | ||
Get Your Rates Quote Now |
You can expect your rates to increase after a speeding ticket as well.
Insurance Company | Rates with a Ticket | Rates with a Clean Record |
---|---|---|
Allstate | $188 | $160 |
American Family | $136 | $117 |
Farmers | $173 | $139 |
Geico | $106 | $80 |
Liberty Mutual | $212 | $173 |
Nationwide | $137 | $115 |
Progressive | $140 | $105 |
State Farm | $96 | $86 |
Travelers | $134 | $99 |
Average | $147 | $120 |
While USAA rates increase with speeding tickets or accidents, they almost double with a DUI.
Insurance Company | Rates with a DUI | Rates with a Clean Record | ||
---|---|---|---|---|
State Farm | $112 | $86 | ||
Progressive | $140 | $105 | ||
Farmers | $192 | $139 | ||
American Family | $194 | $117 | ||
Travelers | $206 | $99 | ||
Geico | $216 | $80 | ||
Nationwide | $234 | $115 | ||
Allstate | $270 | $160 | ||
Liberty Mutual | $313 | $173 | ||
Average | $209 | $120 | ||
Get Your Rates Quote Now |
Drivers with multiple dings on their driving record see extremely high rates. Additionally, drivers with multiple infractions may be considered high-risk and require costly special coverage.
Does your credit score affect USSA rates?
Your credit score affects many aspects of your life, such as loan rates, credit card interest rates, and qualifying for an apartment.
However, many drivers aren’t aware their credit score can affect their insurance rates. While some states, like California, don’t allow insurers to use this factor to determine rates, most states allow auto insurance companies to use credit scores.
Most insurance companies believe that drivers with good credit are more likely to avoid filing a claim and will pay for damages themselves. On the other hand, drivers with poor credit are more likely to file a claim and possibly miss payments.
USAA uses credit scores to calculate insurance rates. This table shows how much more drivers with fair or poor credit pay for USAA coverage.
Insurance Company | Rates with Poor Credit | Rates with Fair Credit | Rates with Good Credit |
---|---|---|---|
American Family | $203 | $136 | $116 |
Average | $226 | $148 | $123 |
Farmers | $269 | $161 | $140 |
Geico | $148 | $100 | $82 |
Liberty Mutual | $355 | $226 | $177 |
Nationwide | $166 | $133 | $120 |
Progressive | $206 | $138 | $109 |
State Farm | $200 | $118 | $91 |
Travelers | $194 | $128 | $107 |
USAA | $129 | $76 | $63 |
Get Your Rates Quote Now |
USAA drivers with poor credit pay double compared to drivers with good credit. The good news is that you can raise your credit score by making on-time payments and using credit responsibly.
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USAA Discounts Available
We’ve already shown that USAA auto insurance is the cheapest out there. However, there are ways to get even lower rates.
The easiest way to lower rates is to take advantage of auto insurance discounts. USAA offers various discounts based on the driver, policy, and vehicle. In addition, drivers can bundle eligible discounts for the most significant savings.
Drivers can also participate in the USAA SafePilot program to earn additional savings. SafePilot is a telematics program that monitors your driving habits, such as speed and hard braking. As a result, drivers who exhibit safe driving can save up to 30% on their auto insurance.
Lastly, look closely at your policy. Lower coverage amounts and raised deductibles to lower your rates. However, doing so means higher out-of-pocket costs if your vehicle gets damaged.
USAA Coverage Options
USAA offers various auto insurance coverages and other insurance products. Since USAA provides many products, drivers may find the company meets all their needs.
Typical auto insurance offerings from USAA include the following:
- Liability insurance
- Collision insurance
- Comprehensive insurance
- Uninsured/underinsured motorist coverage
- Personal injury protection coverage
In addition, USAA offers roadside assistance, rental car reimbursement, and accident forgiveness. Hard-to-find coverage, such as rideshare and classic car insurance, is also available. Drivers can bundle their auto insurance policy with numerous coverages and services, making USAA a one-stop shop for insurance.
Other USAA coverages and products include:
- Homeowners
- Renters
- Recreational vehicles such as motorcycles, boats, and RVs
- Health
- Life
- Pet
- Travel
- Auto loans
- Annuities
USAA rates are typically lower than other insurance companies, so using the company for multiple needs saves money.
USAA vs. Competitors
Frequently Asked Questions
Where is USAA car insurance available?
USAA insurance is available in all 50 states, but SafePilot is only available in 25 states.
How can you get a USAA car insurance quote?
Get a USAA auto insurance quote by calling customer service at 1-800-531-USAA. The fastest way to get a quote is to request one through the USAA website.
Does USAA offer SR-22 coverage?
Yes, USAA offers SR-22 coverage to high-risk drivers whose state requires them to file the SR-22 form. The form states that you have the mandatory coverage to drive legally.
Does USAA offer GAP coverage?
Unfortunately, drivers who need GAP coverage can’t get it through USAA. GAP coverage pays the difference between what you owe on your vehicle and what it’s worth. If you already have USAA insurance, you’ll need to get GAP coverage elsewhere.
How do you file a USAA car insurance claim?
You may file a car insurance claim with USAA through the app or by calling customer service. If you use the USAA app to file a claim, upload your photos to speed up the estimate process.
How can you contact USAA?
Drivers can contact USAA in multiple ways. The easiest way is to call customer service at 1-800-531-USAA. However, drivers can also make contact through the website, Twitter, or by mail at 9800 Fredericksburg Rd., San Antonio, TX 78288.
Who can get USAA car insurance?
USAA auto insurance is only available to veterans, members of the military, and their families.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
JesseM
Surprisingly Awful
tWaLPiM7HrUwr9U
#1 worse company
rhorelus
In a DEPLORABLE Decline
Josh_B
Zero faith or trust in USAA
Rich_A
USAA has lost its way
djsnyder79_gmail_com
Crap insurance stay away
K_c
This insurance company sucks
CDawn
Awful Customer Service and Incompetence
FAMILY
USAA IS GREAT
nityagarg
nice experince